NAVIENT January 27, 2021 2020 4th Quarter and Full Year Earnings Call Presentation Forward-Looking Statements; Non-GAAP Financial Measures The following information is current as of December 31, 2020 (unless otherwise noted) and should be read in connection with Navient Corporation's "Navient" Annual Report on Form 10-K for the year ended December 31, 2019 (the "2019 Form 10-K"), filed by Navient with the Securities and Exchange Commission (the "SEC") on February 27, 2020 and subsequent reports filed by Nav ...